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Loans and Leases and the Allowance for Loan and Lease Losses (Tables)

9 Months Ended

Sep. 30, 2011

Loans and Leases and the Allowance for Loan and Lease Losses

		September 30,	December 31,
(dollars in thousands)		2011	2010
Commercial
	Commercial and Industrial	$ 790,294	$ 772,624
	Commercial Mortgage	922,075	863,385
	Construction	69,635	80,325
	Lease Financing	312,159	334,997
Total Commercial		2,094,163	2,051,331
Consumer
	Residential Mortgage	2,130,589	2,094,189
	Home Equity	775,105	807,479
	Automobile	191,497	209,008
	Other 1	157,118	173,785
Total Consumer		3,254,309	3,284,461
Total Loans and Leases		$ 5,348,472	$ 5,335,792

1 Comprised of other revolving credit, installment, and lease financing.

Schedule of portfolio segment and balance in Allowance disaggregated on the basis of impairment measurement method

(dollars in thousands)				Commercial	Consumer	Total
Three Months Ended September 30, 2011
	Allowance for Loan and Lease Losses:
		Balance at Beginning of Period		$ 88,985	$ 55,991	$ 144,976
			Loans and Leases Charged-Off	(4,215)	(6,556)	(10,771)
			Recoveries on Loans and Leases Previously Charged-Off	4,929	2,096	7,025
			Net Loans and Leases Charged-Off	714	(4,460)	(3,746)
			Provision for Credit Losses	(7,024)	9,204	2,180
		Balance at End of Period		$ 82,675	$ 60,735	$ 143,410
Nine Months Ended September 30, 2011
	Allowance for Loan and Lease Losses:
		Balance at Beginning of Period		$ 80,977	$ 66,381	$ 147,358
			Loans and Leases Charged-Off	(7,379)	(19,773)	(27,152)
			Recoveries on Loans and Leases Previously Charged-Off	5,994	6,739	12,733
			Net Loans and Leases Charged-Off	(1,385)	(13,034)	(14,419)
			Provision for Credit Losses	3,083	7,388	10,471
		Balance at End of Period		$ 82,675	$ 60,735	$ 143,410

As of September 30, 2011
	Allowance for Loan and Lease Losses:
		Individually Evaluated for Impairment		$ -	$ 4,179	$ 4,179
		Collectively Evaluated for Impairment		82,675	56,556	139,231
		Total		$ 82,675	$ 60,735	$ 143,410
	Recorded Investment in Loans and Leases:
		Individually Evaluated for Impairment		$ 8,602	$ 26,400	$ 35,002
		Collectively Evaluated for Impairment		2,085,561	3,227,909	5,313,470
		Total		$ 2,094,163	$ 3,254,309	$ 5,348,472

Schedule of recorded investment in loans and leases by class and by credit quality indicator

	September 30, 2011
(dollars in thousands)	Commercial and Industrial	Commercial Mortgage	Construction	Lease Financing	Total Commercial
Pass	$ 742,444	$ 845,563	$ 52,570	$ 282,123	$ 1,922,700
Special Mention	26,170	28,253	579	26,183	81,185
Classified	21,680	48,259	16,486	3,853	90,278
Total	$ 790,294	$ 922,075	$ 69,635	$ 312,159	$ 2,094,163

(dollars in thousands)	Residential Mortgage	Home Equity	Automobile	Other 1	Total Consumer
Pass	$ 2,102,296	$ 770,603	$ 191,359	$ 156,370	$ 3,220,628
Classified	28,293	4,502	138	748	33,681
Total	$ 2,130,589	$ 775,105	$ 191,497	$ 157,118	$ 3,254,309
Total Recorded Investment in Loans and Leases					$ 5,348,472

	December 31, 2010
(dollars in thousands)	Commercial and Industrial	Commercial Mortgage	Construction	Lease Financing	Total Commercial
Pass	$ 720,618	$ 775,938	$ 61,598	$ 305,967	$ 1,864,121
Special Mention	18,096	32,055	1,975	26,767	78,893
Classified	33,910	55,392	16,752	2,263	108,317
Total	$ 772,624	$ 863,385	$ 80,325	$ 334,997	$ 2,051,331

(dollars in thousands)	Residential Mortgage	Home Equity	Automobile	Other 1	Total Consumer
Pass	$ 2,059,012	$ 804,158	$ 208,598	$ 172,762	$ 3,244,530
Classified	35,177	3,321	410	1,023	39,931
Total	$ 2,094,189	$ 807,479	$ 209,008	$ 173,785	$ 3,284,461
Total Recorded Investment in Loans and Leases					$ 5,335,792

1 Comprised of other revolving credit, installment, and lease financing.

Schedule of an aging analysis of the Company's accruing and non-accruing loans and leases

(dollars in thousands)		30 - 59 Days Past Due	60 - 89 Days Past Due	Past Due 90 Days or More	Non- Accrual	Total Past Due and Non- Accrual	Current	Total Loans and Leases	Non-Accrual Loans and Leases that are Current 2
As of September 30, 2011
Commercial
	Commercial and Industrial	$ 956	$ 761	$ -	$ 6,593	$ 8,310	$ 781,984	$ 790,294	$ 5,912
	Commercial Mortgage	103	-	-	2,188	2,291	919,784	922,075	1,231
	Construction	-	-	-	-	-	69,635	69,635	-
	Lease Financing	13	-	-	6	19	312,140	312,159	6
Total Commercial		1,072	761	-	8,787	10,620	2,083,543	2,094,163	7,149
Consumer
	Residential Mortgage	11,735	9,667	7,664	23,779	52,845	2,077,744	2,130,589	3,940
	Home Equity	6,422	1,545	2,639	1,863	12,469	762,636	775,105	284
	Automobile	3,640	714	138	-	4,492	187,005	191,497	-
	Other 1	1,336	1,049	414	-	2,799	154,319	157,118	-
Total Consumer		23,133	12,975	10,855	25,642	72,605	3,181,704	3,254,309	4,224
Total		$ 24,205	$ 13,736	$ 10,855	$ 34,429	$ 83,225	$ 5,265,247	$ 5,348,472	$ 11,373

As of December 31, 2010
Commercial
	Commercial and Industrial	$ 1,807	$ 1,341	$ -	$ 1,642	$ 4,790	$ 767,834	$ 772,624	$ 1,564
	Commercial Mortgage	2,100	-	-	3,503	5,603	857,782	863,385	2,415
	Construction	-	-	-	288	288	80,037	80,325	-
	Lease Financing	82	-	-	19	101	334,896	334,997	19
Total Commercial		3,989	1,341	-	5,452	10,782	2,040,549	2,051,331	3,998
Consumer
	Residential Mortgage	8,389	9,045	5,399	28,152	50,985	2,043,204	2,094,189	7,891
	Home Equity	4,248	2,420	1,067	2,254	9,989	797,490	807,479	1,041
	Automobile	6,046	1,004	410	-	7,460	201,548	209,008	-
	Other 1	1,962	1,145	707	-	3,814	169,971	173,785	-
Total Consumer		20,645	13,614	7,583	30,406	72,248	3,212,213	3,284,461	8,932
Total		$ 24,634	$ 14,955	$ 7,583	$ 35,858	$ 83,030	$ 5,252,762	$ 5,335,792	$ 12,930

1 Comprised of other revolving credit, installment, and lease financing.

2 Represents nonaccrual loans that are not past due 30 days or more; however, full payment of principal and interest is still not expected.

Schedule of information related to impaired loans as of the balance sheet date

(dollars in thousands)				Recorded Investment	Unpaid Principal Balance	Related Allowance for Loan Losses
September 30, 2011
	Impaired Loans with No Related Allowance Recorded:
		Commercial
			Commercial and Industrial	$ 6,436	$ 13,787	$ -
			Commercial Mortgage	2,166	2,666	-
		Total Commercial		8,602	16,453	-
		Total Impaired Loans with No Related Allowance Recorded		$ 8,602	$ 16,453	$ -

	Impaired Loans with an Allowance Recorded:
		Commercial
			Commercial and Industrial	$ 4,723	$ 4,723	$ 905
			Commercial Mortgage	314	617	71
		Total Commercial		5,037	5,340	976
		Consumer
			Residential Mortgage	26,400	30,457	4,179
			Home Equity	21	21	1
			Automobile	5,927	5,927	99
			Other 1	569	569	51
		Total Consumer		32,917	36,974	4,330
		Total Impaired Loans with an Allowance Recorded		$ 37,954	$ 42,314	$ 5,306

	Impaired Loans:
		Commercial		$ 13,639	$ 21,793	$ 976
		Consumer		32,917	36,974	4,330
		Total Impaired Loans		$ 46,556	$ 58,767	$ 5,306

December 31, 2010
	Impaired Loans with No Related Allowance Recorded:
		Commercial
			Commercial and Industrial	$ 1,564	$ 5,414	$ -
			Commercial Mortgage	3,377	4,407	-
		Total Commercial		4,941	9,821	-
		Total Impaired Loans with No Related Allowance Recorded		$ 4,941	$ 9,821	$ -

	Impaired Loans with an Allowance Recorded:
		Commercial
			Commercial and Industrial	$ 5,156	$ 5,156	$ 927
			Commercial Mortgage	442	745	99
			Construction	288	288	65
		Total Commercial		5,886	6,189	1,091
		Consumer
			Residential Mortgage	21,058	24,709	2,919
			Home Equity	21	21	1
			Automobile	5,845	5,845	137
			Other 1	282	282	22
		Total Consumer		27,206	30,857	3,079
		Total Impaired Loans with an Allowance Recorded		$ 33,092	$ 37,046	$ 4,170

	Impaired Loans:
		Commercial		$ 10,827	$ 16,010	$ 1,091
		Consumer		27,206	30,857	3,079
		Total Impaired Loans		$ 38,033	$ 46,867	$ 4,170

1 Comprised of other revolving credit and installment financing.

Schedule of information related to impaired loans, activity during the period

			Three Months Ended September 30, 2011		Nine Months Ended September 30, 2011
(dollars in thousands)			Average Recorded Investment	Interest Income Recognized	Average Recorded Investment	Interest Income Recognized
Impaired Loans with No Related Allowance Recorded:
	Commercial
		Commercial and Industrial	$ 4,019	$ -	$ 2,665	$ -
		Commercial Mortgage	2,693	-	3,022	-
		Construction	144	-	192	-
	Total Commercial		6,856	-	5,879	-
	Total Impaired Loans with No Related Allowance Recorded		$ 6,856	$ -	$ 5,879	$ -

Impaired Loans with an Allowance Recorded:
	Commercial
		Commercial and Industrial	$ 3,030	$ 27	$ 3,873	$ 116
		Commercial Mortgage	311	1	351	10
		Construction	-	-	96	-
	Total Commercial		3,341	28	4,320	126
	Consumer
		Residential Mortgage	25,374	78	23,662	252
		Home Equity	21	-	21	-
		Automobile	5,837	150	5,841	438
		Other 1	601	8	513	22
	Total Consumer		31,833	236	30,037	712
	Total Impaired Loans with an Allowance Recorded		$ 35,174	$ 264	$ 34,357	$ 838

Impaired Loans:
	Commercial		$ 10,197	$ 28	$ 10,199	$ 126
	Consumer		31,833	236	30,037	712
	Total Impaired Loans		$ 42,030	$ 264	$ 40,236	$ 838

1 Comprised of other revolving credit and installment financing.

Schedule of loans modified as a TDR

		Loans Modified as a TDR for the			Loans Modified as a TDR for the
		Three Months Ended September 30, 2011			Nine Months Ended September 30, 2011
			Recorded	Increase in		Recorded	Increase in
Troubled Debt Restructurings 1		Number of	Investment	the Allowance	Number of	Investment	the Allowance
(dollars in thousands)		Contracts	(as of period end)	(as of period end)	Contracts	(as of period end)	(as of period end)
Commercial
	Commercial and Industrial	3	$ 4,106	$ -	7	$ 4,419	$ -
	Commercial Mortgage	2	292	-	4	1,249	-
Total Commercial		5	4,398	-	11	5,668	-
Consumer
	Residential Mortgage	3	1,413	131	13	6,308	904
	Automobile	90	893	-	201	2,064	-
	Other 2	-	-	-	3	326	-
Total Consumer		93	2,306	131	217	8,698	904
Total		98	$ 6,704	$ 131	228	$ 14,366	$ 904

1 The period end balances are inclusive of all partial paydowns and charge-offs since the modification date. Loans modified in a TDR that were fully paid down, charged-off, or foreclosed upon by period end are not reported.

2 Comprised of other revolving credit, installment, and lease financing.

Schedule of loans modified as a TDR within the previous 12 months that subsequently defaulted

		Loans Modified as a TDR		Loans Modified as a TDR
		Within the Previous Twelve Months		Within the Previous Twelve Months
		That Subsequently Defaulted During the		That Subsequently Defaulted During the
		Three Months Ended September 30, 2011		Nine Months Ended September 30, 2011

			Recorded		Recorded
		Number of	Investment	Number of	Investment
(dollars in thousands)		Contracts	(as of period end) 1	Contracts	(as of period end) 1
Consumer
	Residential Mortgage	-	$ -	1	$ 848
	Automobile	6	67	7	91
Total Consumer		6	67	8	939
Total		6	$ 67	8	$ 939